Friday, November 30, 2018 / by Vanessa Justice
Our service personnel and veterans give so much to our country. While they sacrifice much, there are a few special benefits that only these service men and women can take advantage of; one of the best benefits is the VA Loan.
The VA Loan differs from a Conventional Loan in a number of ways. While both provide great interest rates for borrowers and are both backed by US Government guarantee programs, this is where the similarities end.
Key Differences/Advantages of the VA Loan
• 0% Down Options – VA Loans offer the option of a 0% down payment vs conventional loans which need 10-20% minimum down payment.
• No Private Mortgage Insurance Required
• More Lenient Credit Qualifications – FICO scores are used for both conventional and VA Loans, but VA Loans consider a lower threshold for loans while still offering favorable interest rates.
• Can Be Used More Than Once – VA Loan borrowers can regain their eligibility for a VA Loan without givin ...
Friday, November 16, 2018 / by Vanessa Justice
Thanksgiving is the start of the holiday season. While the standard pumpkins and scented candles are a nice touch, there are so many other options for decorating a home for Thanksgiving. Consider these interesting and unusual touches to bring a fall feel to your home.
• Colorful Leaves – In most parts of the country, there are piles of fall leaves in the front yard. There are a huge variety of uses for these bright leaves. Gather some to use on the dining room table, inside candle hurricanes or scatter along the mantle.
• Natural Elements – Decorations don’t need to be so obvious. Consider using driftwood, acorns and pinecones to add a fall flavor to your home décor.
• Fall Fruit – Lemons placed in a bowl have long been a staple in spring and summertime staging. In fall and winter, change the lemons to a variety of colors of apples. Everything from red to green and everything in between adds a seasonal tone to the kitchen.
Friday, November 9, 2018 / by Vanessa Justice
From the Town of Swansboro
64th Annual Swansboro Mullet Festival
November 10-11, 2018
The Mullet are running and jumping and so are plans for the upcoming 64th Annual SWANSBORO MULLET FESTIVAL, presented by Sanders Ford, November 10 and 11 in historic downtown Swansboro.
Over 130 craft vendors along with food vendors will line the streets of downtown Swansboro, and of course the famous Fish Fry provided by Swansboro Rotary – there is truly something for everyone to enjoy. Admission to the festival is free. Downtown streets will be closed to vehicular traffic both days. Visitors are asked to leave their pets at home.
The celebration will begin with the closing of Hwy 24 Saturday morning for the parade to lead the way downtown at 9am. Parade applications are still available, so get with your organization or promote your business in all the fun to be had while strolling through the parade line. Parade applications available at Swansboro Town H ...
Sunday, October 21, 2018 / by Vanessa Justice
Getting an offer on your home is very exciting. Then you open the offer and realize it’s not what you were expecting and you are wondering what to do next. Answering an offer which is not acceptable is a matter of strategy. Here are a few of the strategies used by successful listing agents to handle a low offer.
The most common way to respond to a low offer is to send the buyers a counter offer. You can counter at the list price and terms or come down and offer something in between list price and the offer.
Highest and Best
This strategy allows the buyer to revise their offer, should they choose. This is most often used in a multiple offer situation, but works just as well with a single buyer who needs to know their offer isn’t acceptable.
Include Terms in Negotiation
The price is not the only part of an offer which can be negotiated; the terms can also be changed. Sometimes a seller can get a higher price by offering longer escrow or adding furniture.
Thursday, October 18, 2018 / by Vanessa Justice
Surprisingly, fall is a great time to buy a home. There are still homes on the
market which did not sell during the summer months, some at deep discounts.
There are also homes newly listed by sellers trying to beat the slower winter
months. At the same time, there are fewer buyers out searching, which makes it
the perfect time to buy a home.
• Fall home buyers should be ready to move when they find the right home
and at the right price. Get pre-qualified so that you can jump at the right
• Notice the imperfections. With windy or rainy weather, homes can show
their scars. Look for evidence of water intrusion and evaluate the yard
debris with the falling leaves. Look at gutters and ceilings for both.
• Visit the local school. With school in session, this is a good time to visit and
ask questions from teachers and administrators.
• Wait for winter if necessary. Buyers all but evaporate in the ...